- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
Video
Frequently Asked Questions
A-Enrich Gold is a short-pay savings plan that combines guaranteed cash payments, potential investment growth, and insurance protection. It helps you build long-term savings while providing financial protection against death and Total and Permanent Disability (TPD).
A-Enrich Gold helps you grow your wealth in a structured way while providing protection for life's uncertainties. It offers guaranteed cash payments, a guaranteed maturity benefit, and insurance coverage, making it suitable for long-term financial planning and future goals.
- Choice of premium payment terms (10 years for 25 years of coverage, or 20 years for 30 years of coverage)
- Increasing guaranteed cash payments throughout the policy term
- Guaranteed maturity value of up to 150% of the coverage amount, depending on the plan selected
- Potential investment gains through AIA investment-linked funds
- Flexible savings and investment options
- Death and TPD protection benefits
The plan allows you to accumulate savings through guaranteed cash payments, maturity benefits, and potential investment returns from selected investment-linked funds. At the same time, it provides financial protection through lump-sum benefits for death and Total and Permanent Disability (TPD), including enhanced payouts for accidental events.
Yes. A-Enrich Gold offers flexibility that allows you to make partial withdrawals from your policy account value, subject to the policy's terms and available account value. You may also top up your savings or switch investment funds as your financial needs change.
The plan provides:
- Death Benefit: A lump-sum payout if the insured passes away during the policy term, with double the coverage amount payable for accidental death (subject to policy terms).
- Total and Permanent Disability (TPD) Benefit: A lump-sum payout if the insured suffers TPD, with double the coverage amount payable for accidental TPD (subject to policy terms and age limits).
Unlike a regular savings account, A-Enrich Gold provides guaranteed cash payments, a guaranteed maturity benefit, investment-linked growth opportunities, and insurance protection. It is designed for disciplined long-term savings while also protecting you and your family financially.
The plan encourages consistent saving through fixed premium contributions while rewarding you with increasing guaranteed cash payments and a guaranteed maturity payout. You can also potentially grow your savings further through investment-linked funds and optional top-ups.
A-Enrich Gold is a conventional life insurance savings plan, while A-Enrich Gold-i is the Shariah-compliant takaful version. Both offer savings accumulation, protection benefits, guaranteed cash payments, and maturity benefits, but A-Enrich Gold-i operates based on takaful principles and Shariah requirements.
A-Enrich Gold is suitable for individuals who want to build long-term savings, receive regular guaranteed cash payments, enjoy potential investment growth, and have insurance protection in a single plan. It may be suitable for those planning for future milestones such as children's education, retirement, or wealth accumulation.
Terms & Conditions
1. Coverage for TPD is up to age 65.
2. Coverage for accidental death is up to age 70 while accidental TPD is up to age 65.
3. Guaranteed cash payment are payable starting from the end of 2nd policy year until maturity.
4. This plan covers up to 25 or 30 years, depending on the plan chosen.
5. The premium rates of this plan is level and based on the age at issue date of the plan.
6. The premiums for this plan are guaranteed.
7. You may switch your funds as you need and there will be no switching fee imposed.
8. Your policy account value is not guaranteed and fluctuates based on the performance of AIA Investment Fund. The potential risks in investing in the funds are borne solely by you.
9. The premiums paid for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
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